So why am I writing this?

I’ve always struggled with money. My main problem is over-spending. I love being that guy who buys everyone a round of shots, or doesn’t mind paying for it when you eat out. Hey, you can pay me back later. Don’t worry about it. I was spending money that I didn’t have to try and look like a big man in front of people. It was stupid and it got me into serious trouble. It’s a problem I’m going to rectify, and I want to help other people as well.

Also, I’ve noticed a distinct lack of UK-based personal finance blogs. All the big ones (I Will Teach You To Be Rich, Get Rich Slowly, The Simple Dollar) are all US-based blogs, and while they still provide some awesome advice, sometimes it’s not always as applicable as it could be. So this is my attempt to rectify that.

First things first: my current financial situation. I currently have -£1,090.30 in my accounts, and approximately £10,000 worth of student loan debt so far.

It’s going to be an uphill struggle. At least that means I can string this blog out for at least 10 years. Yay for everyone!